kernel panic 2-3 times per day, every day since Catalina 10.15.3

Dealing with Kernel Panics

Disconnect any third-party peripherals including any USB hubs. Use safe mode to isolate issues with your Mac - Apple Support then boot the computer into Safe Mode: Use safe mode to isolate issues with your Mac - Apple Support and Playing Safe- what does Safe mode do?. See Diagnosing problems- crash, freeze, panic, or spinning beach ball?, Don’t Panic! Understanding & Troubleshooting Kernel Panics in macOS, and How to fix kernel panics after installing OS X updates | MacIssues.

Kernel panics are indicative of possible hardware failure, so you should Check your Mac with hardware diagnostics or AHT. Read the kernel panic log: Mac OS X- How to log a kernel panic.

If you have no success figuring what is happening then you may need to examine the software you have running when the panics occur. Be sure it’s all current. If you must to resolve the problem erase the disk and reinstall macOS. Follow this outline to reset the computer to the factory-new state: Factory reset of your Mac - Apple Support.

Boot Into Safe Mode

1. If your Mac isn’t already shut down, then shut it down and wait at least 30 seconds before rebooting.
2. Immediately, at or before the chime, press and hold down the SHIFT key. 
3. Release the key after the Apple logo and progress bar appear.
4. Safe mode startup is much slower than normal startup, so be patient.
5. When the Login Screen appears enter your admin password. If you use automatic login, then this means you are in safe mode.